Cripay vs NOWPayments
Facts from public documentation, reviewed on October 27, 2026. Both are capable products; here is where they differ.
| NOWPayments | Cripay | |
|---|---|---|
| Service fee | 1% (1.5% with conversion or fixed rate); down to 0.5% after KYC/KYB discounts | 0.5%, no verification needed |
| Network fees | Up to three network fees per payment (payer, internal move, payout) | One: the payer's own transfer. Settlement is direct. |
| KYC / verification | Optional at signup; lower fees and fiat payouts require KYC/KYB | No KYC: email or wallet signup |
| Custody | Deposits land in a NOWPayments balance, then a payout to your wallet | Non-custodial by default: settles straight to your wallet |
| Minimum amount | Dynamic minimum per pair (roughly US$ 9–20 for stablecoins) | No minimum for stablecoins on cheap networks |
| Partial payments | `partially_paid` is final; a second payment needs a new flow | Same address, remaining amount shown, top-ups accumulate |
| API & webhooks | REST + IPN callbacks, `x-api-key`, no idempotency keys | REST + signed webhooks, idempotency keys, test mode, typed SDK |
| Checkout & embeds | Hosted invoice page, plugins | Hosted checkout, embed.js, React component, payment links |
| Self-hosting | No | Yes: open source, run it yourself |
Competitor information comes from their public documentation and pricing pages on the date above and may change. Trademarks belong to their owners.
Switching from NOWPayments
- 1Create your Cripay account with your email or wallet (two minutes, no KYC).
- 2Add your payout wallets and pick the networks you accept. Payments settle straight to them.
- 3Replace the integration: payment links need no code; the API takes an afternoon with the TypeScript SDK and signed webhooks.
Frequently asked questions
Is Cripay cheaper than NOWPayments?
Cripay charges 0.5% per confirmed payment with no monthly fee and no verification tiers. See the fee row above for what NOWPayments publishes.
Can I migrate existing customers?
Yes. Payment links and the hosted checkout work for any customer with a wallet or an exchange account; nothing on their side changes.
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